If I retire before 60, when can I access my super?

Q: I am 57, approaching 58. If I decided to retire before 60 when can I access my super?

If you have reached your preservation age and retire, then you can access your super benefits. You can learn more about preservation age here, but I assume your preservation age is 55.

Note that if you retire before the age of 60, then tax is payable on the taxable component of a super benefit.

My response is for information purposes only, and you’ll need to confirm how the rules apply for your personal circumstances by undertaking your own research, or by chatting to a financial adviser or accountant.

© Copyright Trish Power 2009-2014

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  1. My super has reached preservation age as has my husbands.
    We are looking at retiring as he has a terminal illness. If we take both our supers as a lump sum (mine is in a taxed fund, his is not) how would this affect any entitlements to Social Security?
    We would like to pay off our mortgage and do some travelling whilst he is able.

  2. Fiona Knight says:

    I have been trying in vain to find a definition of retire – this person is asking about retiring prior to 60. The whole issue of ‘retiring’ is confusing – easier for the dole recipients – they just don’t work anyway.

  3. David Blakemore says:


    I am going back to the United Kingdom soon to look after my sick father. Can I have my superannuation policy cancelled and the funds transferred into a nominated bank in the UK?

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